The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,849
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$975/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$933/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$1,907/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,170
−HK$1,170/mo
Today · 4.125%
HK$39,340
baseline
▲ 0.50% · 4.625%
HK$41,734
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,680/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,183
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,288
−HK$1,120/mo
Today · 4.125%
HK$43,408
baseline
▲ 0.50% · 4.625%
HK$45,696
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,816/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,189
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,532
−HK$1,365/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,047
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,335
−HK$1,308/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,286/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,528
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,255
−HK$1,755/mo
Today · 4.125%
HK$59,010
baseline
▲ 0.50% · 4.625%
HK$62,601
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,020/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,775
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,431
−HK$1,681/mo
Today · 4.125%
HK$65,112
baseline
▲ 0.50% · 4.625%
HK$68,544
+HK$3,432/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,224/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,328 · Scale 2, in force from 26 Feb 2026)